Hello Kanchan
Guidelines are extremely well drafted and accept my heart felt congratulations for the same. However, I offer following suggestions. I would like to highlight following two provisions: 10.. Banks may consider variations in signature with some leniency and should put in place their own verification system. and part 2 6. All procedures pertaining to the use of such cheque books by visually impaired customers must be in accordance with that of the other customers. Visually impaired customers must be permitted to make any third-party checks and banks should not fetter this service. The aim of the provisions is surely progressive and convenient to us. However, Cumulative effect of these two provisions is that dividing line between liniency in signature variations and detecting forgery, for which banks are clearly responsible under law, is very thin and may put them in quandary and us--visually impaired---in needless trouble. The better approach in my opinion, would be to adhere to CCPD guidelines in the matter, which imply that while issuing a cheque book, the bank official may obtain the signature of the visually impaired person on the cheques then and there and may attest such a signature so that problem of verification and variation in signature may not arise at the time of passing the cheque and forgery is also impossible as the forgerer would have to forge not only the signature but the attestation as well. The only risk in such a course is the theft of the cheque book the safe custody of which is clearly customer's responsibility as is that for proper use of debit and credit card. Unfortunately, this provision in CCPD guidelines has not been interpreted and applied as I have delineated above. Such a course of signature/attestation may be resorted to unless and until we have proper biometric iddentification systems put in place. Regards Rajesh ________________________________ Notice: The information contained in this e-mail message and/or attachments to it may contain confidential or privileged information. If you are not the intended recipient, any dissemination, use, review, distribution, printing or copying of the information contained in this e-mail message and/or attachments to it are strictly prohibited. If you have received this communication in error, please notify us by reply e-mail or telephone and immediately and permanently delete the message and any attachments. Thank you To unsubscribe send a message to [EMAIL PROTECTED] with the subject unsubscribe. To change your subscription to digest mode or make any other changes, please visit the list home page at http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
